HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater different needs. From travel to shopping to dining to premium, the bank has a card for every category.
All About HDFC Credit Cards
- Features & Benefits
- Check Eligibility for HDFC Cards
- Required Documents for HDFC Cards
- How to Apply HDFC Cards
- Rewards Points of HDFC Cards
- Check Other Top HDFC Cards
Features and Benefits of Top 10 HDFC Bank Credit Cards
HDFC Bank Regalia First Card
Key Highlights: A premium HDFC Bank Regalia First Card that provides exclusive travel and lifestyle benefits.
Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.1,000 (For regular applicants).
Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 1,000 reward points upon paying the joining fee.
Features and benefits:
- Complimentary Priority Pass Membership that provides access to 700+ airport lounges.
- 15% discount at premium restaurants across India.
- Up to 7,500 reward points on achieving annual spends of up to Rs.6 lakh.
- 8 complimentary domestic lounge access per calendar year.
- Foreign currency markup fee of 2% on all international spends.
- Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.
Rewards redemption option: Reward points can be redeemed for free air tickets.
Suitable for: People who frequently visit international locations.
HDFC Bank Diners Club Black Card
Key Highlights: Offered in partnership with Diners Club International, the HDFC Bank Diners Club Black Card provides world-class privileges in travel, lifestyle, golf, rewards, etc.
Joining fee: Rs.0 (For those applying on bankbazaar.com); Rs.10,000 (For regular applicants).
Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.
Joining Bonus: 10,000 reward points upon paying the joining fee.
Features and benefits:
- 5 Reward Points for every Rs. 150/- retail spends.
- Unlimited access to more than 700 airport lounges across the globe.
- Exclusive 24/7 concierge services at both local and international locations.
- Free comprehensive insurance that covers air accidental death, emergency hospitalisation, baggage delay and credit liability.
- 6 complimentary Golf games per quarter valid in India as well as abroad.
Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.
Suitable for: People who frequently visit international locations.
HDFC Bank Regalia Card
Key Highlights: Designed for elite class, the HDFC Regalia Credit Card offers best of the benefits across various lifestyle categories.
Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.2,500 (For regular applicants).
Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 2,500 reward points upon paying the joining fee.
Features and benefits:
- Complimentary Priority Pass Membership that provides access to more than 700 airport lounges.
- 4 Reward Points on every Rs.150 spent.
- 15% discount at premium restaurants across India.
- Up to 15,000 reward points on achieving annual spends of up to Rs.8 lakh.
- 12 complimentary domestic lounge access per calendar year.
- 24X7 concierge assistance for travel and entertainment bookings.
- Foreign currency mark-up fee of 2% on all international spends.
- Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.
Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on hdfcbankregalia.com. Also convertible to Air Miles.
Suitable for: People who spend massively on their credit cards and travel frequently.
HDFC Freedom Credit Card
Key Highlights: One of the best reward credit cards, the HDFC Freedom Credit Card also offers spend based rewards and free accidental death insurance.
Joining fee: Rs.500
Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.
Joining bonus: 500 reward points upon paying the joining fee.
Features & benefits:
- 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery spends.
- 10 times more reward points on HDFC PayZapp & SmartBUY spends
- 25 times more points on birthday spend
- Earn 1 reward point on every spend of ?150 and above.
- A gift voucher worth Rs.1000 on annual spends of Rs.90,000 or more.
- Complimentary accidental insurance up to 50 lakh.
Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.
Suitable for: People who use credit card for all daily expenses.
HDFC Bank Moneyback Credit Card
Key Highlights: Redeem reward points for cash back against your HDFC Bank Moneyback Credit Card outstanding.
Joining fee: Rs.500
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: 500 reward points once the joining fee is paid.
Features and benefits:
- 2X more reward points on online spends.
- Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
- Free accidental death insurance up to Rs.50 lakhs.
- Zero liability on lost card.
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People who would like to cut their credit card annual maintenance.
HDFC Bank Titanium Times Card
Key Highlights: A low-cost, high-value HDFC Bank Titanium Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.500.
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.
Features and benefits:
- 2X more reward points on online spends.
- Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
- Free accidental death insurance up to Rs.50 lakhs.
- Zero liability on lost card.
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People looking for a less maintenance credit card with benefits across categories.
HDFC Bank Diners ClubMiles Card
Key Highlights: The HDFC Bank Diners ClubMiles Credit Card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.
Joining fee: Rs.1,000
Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).
Joining bonus: 1,000 reward points once the joining fee is paid.
Features and benefits:
- Exclusive lounge access program that provides access to leading airport lounges across the globe.
- Up to 6 free lounge visits to more than 700 lounges worldwide.
- Book air tickets and hotels across the globe online through exclusive Diners Club website.
- Concierge services assist travel needs.
- 15% discount and other benefits at leading restaurants across India.
- A comprehensive air insurance cover up to Rs.1.5 crore.
Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.
Suitable for: Globetrotters who use their credit card for most of the travel needs.
HDFC Bank Platinum Times Card
Key Highlights: A low-cost, high-value
HDFC Bank Platinum Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.1,000.
Renewal fee: Rs.1,000 (from 2nd year onwards).
Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.
Features and benefits:
- 25% off on movie ticket bookings and up to 20% discount on dining bills.
- 3 more reward points on regular spends and 10 points on dining spends on weekdays.
- Fuel surcharge waiver.
- Free accidental death insurance up to Rs.50 lakhs.
Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.
Suitable for: People who are movie freaks and dine-out quite frequently.
JetPrivilege HDFC Bank Diners Club
Key Highlights: A co-sponsored JetPrivilege HDFC Bank Diners Club Credit Card that provides exclusive benefits on Jet Airways flight bookings.
Joining fee: Rs.10,000
Renewal fee: Rs.5,000 (2nd year onwards). Spend Rs.8 lakh to avail renewal fee waiver in the next year.
Joining bonus: Up to 30,000 bonus JPMiles and 15 Jet Privilege Tier Points within first 90 days of card set up.
Features and benefits:
- 5% discount on the base fare for revenue tickets booked via Jet Airways website.
- Priority check-in and extra baggage allowance at select Indian airports.
- Free, unlimited access to the world's largest airport lounge program.
- 8 JPMiles on regular spends and 24 JPMiles on tickets booked through Jet Airways.
- Unlimited complimentary golf games and lessons across the globe.
- Exclusive fine dining privileges at top restaurants.
- Personalised 24x7 concierge services for all your bookings.
Rewards redemption option: Reward points can be exchanged for JPMiles and the same can be redeemed for Jet Airways flight tickets.
Suitable for: People who prefer Jet Airways to other air carriers for all their local and international travels.
Eligibility To Apply For HDFC Credit Cards
|
Salaried |
Self-employee |
| HDFC Regalia Credit Card |
Gross income > Rs.1.2 lakh per month |
ITR > Rs.12 lakh per annum |
| HDFC Diners Club Black |
Net income > Rs.1.75 lakh per month |
ITR > Rs.21lakh per annum |
| HDFC Regalia First |
Gross income > Rs.40,000 per month |
ITR > Rs.5lakh per annum |
| Diners ClubMiles Credit Card |
Net income > Rs.30,000 per month |
ITR > Rs.3.6 lakh per annum |
| Diners Club Premium |
Net income > Rs.60,000 per month |
ITR > Rs.7.2 lakh per annum |
| Diners Club Rewardz |
Net income > Rs.30,000 per month |
ITR > Rs.3.6 lakh per annum |
| Bharat CashBack Card |
Gross income > Rs.12,000 per month |
ITR > Rs.2 lakh per annum |
| Freedom Card |
Gross income > Rs.12,000 per month |
ITR > Rs.2 lakh per annum |
| MoneyBack Credit Card |
- |
- |
Age Criteria
Salaried – 21 to 60 years & For self-employed – 21 to 65 years
Check Eligibility for HDFC Credit Cards Online
You can check eligibility for each HDFC credit card online using HDFC Bank official website and Bank Bazaar website.
- Check on hdfcbank.com: Visit HDFC Bank Site (www.hdfcbank.com/personal/products/cards/credit_cards) & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.
Documents Required to Apply for HDFC Credit Cards
| Proof of Identity |
Any one of the documents
- Passport
- PAN Card
- Ration Card
- Aadhaar card
- Voter's ID card
- Driving license
|
| Address proof |
Any one of the documents
- Telephone bill
- Electricity bill
- Passport
- Ration card
- Rental agreement
- Aadhaar card
|
| Income proof (For salaried) |
- Salary certificate
- Recent salary slip/s
- Employment letter
|
| Income proof (For self-employed) |
- Certified financials
- Recent ITR (Income Tax Returns)
- Audited profit and loss statement or balance sheet
|
HDFC may ask for additional documents based the applicant's profile. The above list is for reference purpose only.
How to Apply for HDFC Credit Cards Online
BankBazaar is an official partner of HDFC Bank and offers paperless approval application process for some of its credit cards.
Through our website, you can check your eligibility for HDFC Credit Cards, apply and submit all the required documents online and enjoy a hassle-free application process.
Besides that BB.com provides the below-mentioned benefits for its users.
- Free CIBIL score
- Instant eligibility check
- Instant approval for eligible applicants
- Paperless processing
- Free gift vouchers
- A chance to win exciting gifts
Follow the steps to apply for HDFC Credit Cards through BankBazaar.com
- On the HDFC Credit Card page, you can find the list of HDFC credit cards on the top.
- Choose a card and click on the 'Check Eligibility' button
- You will be prompted with a list of questions
- Answer them to know your eligibility.
- If you're eligible for the card, you will be redirected to the online application page.
- Fill all the required fields on the page before clicking on 'Submit'.
- You will then be asked to upload the documents - do the same and click on 'Submit'
On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the 'Track Application' feature.
Reward Points Offered on Top 10 HDFC Credit Cards
Listed below are the reward points offered on top 10 HDFC credit cards.
| HDFC Bank Regalia First Card |
4 reward points on every Rs.150 spent |
NA |
| HDFC Bank Diners Club Black Card |
8 JPMiles for every Rs.150 spent |
3X JPMiles on every Jet Airways flight booking |
| HDFC Bank Regalia Card |
4 reward points on every Rs.150 spent |
NA |
| HDFC Freedom Credit Card |
1 reward point on Rs.150 spent |
5X reward points on lifestyle spends; 10X RP for PayZapp and SmartBUY spends; 25X RP on birthday spends |
| HDFC Bank Moneyback Credit Card |
2 reward points for every Rs.150 |
100% more RP on online spends. |
| HDFC Bank Titanium Times Card |
2 reward points for every Rs.150 spent |
5 RP on dining spends during weekdays |
| HDFC Bank Diners Club Miles Card |
4 reward points on every Rs.150 spent |
10X RP on international spends |
| HDFC Bank Platinum Times Card |
3 reward points for every Rs.150 spent |
10 RP on dining spends during weekdays |
| JetPrivilege HDFC Bank Diners Club |
8 JPMiles for every Rs.150 spent |
3X JPMiles on every Jet Airways flight booking |
Other HDFC Credit Cards
| JetPrivilege HDFC Bank World |
Rs.2,500 |
Travel |
| JetPrivilege HDFC Bank Platinum |
Rs.1,000 |
Travel |
| JetPrivilege HDFC Bank Select or Titanium |
Rs.1,000 |
Travel |
| HDFC Diners Club Black |
Rs.5,000 |
Travel |
| HDFC Infinia Credit Card |
Rs.10,000 |
Premium lifestyle |
| HDFC Solitaire |
Rs.1,000 |
Shopping |
| HDFC AllMiles Credit Card |
Rs.1,000 |
Travel |
| HDFC Doctors Superia |
Rs.1,000 |
Doctors with travel benefits |
| HDFC Teachers Platinum |
Rs.500 |
Teachers with shopping benefits |
| HDFC Platinum Edge |
Rs.1,000 |
Cashback |
| HDFC Titanium Edge |
Rs.1,000 |
Dining |
JetPrivilege HDFC Bank World Credit Card
Benefits & Features of JetPrivilege HDFC Bank World Credit Card
- You get a welcome gift of up to 10,000 additional JPMiles and one way base ticket charges rebated when you use Jet Airways.
- Get six JPMiles whenever you spend INR. 150 and 18 JPMiles on every air ticket reserved from the official Jet Airways or JetKonnect website.
- Committed check-in with 10 kg extra baggage permissions.
JetPrivilege HDFC Bank Platinum Credit Card
Benefits & Features of JetPrivilege HDFC Bank Platinum Credit Card :
- Welcome gift of 4000 extra JPMiles.
- One way base charges rebated if you book a Jet Airways ticket.
- Get five JPMiles whenever you spend INR. 150.
- Earn 15 JPMiles on every air ticket reserved from official websites of Jet Airways or JetKonnect.
- Get five percent off on base charge for air tickets reserved from Jet Airways or JetKonnect.
HDFC Diners Club Black Credit Card
Benefits & Features HDFC Diners Club Black Credit Card
- Enjoy special entry to the choicest Golf Clubs in India as a Green Fee player.
- You can earn travel coupons worth INR. 750 for every 1000 points accrued.
- Points can be redeemed as cash for air tickets, hotel booking at the HDFC entertainment website, hdfcbankdinersclub.com.
HDFC Infinia Credit Cards
Benefits & Features of HDFC Infinia Credit Cards:
- Infinia Card comes with no prearranged limit on cash spending or withdrawal.
- You earn 5 points for every INR.150 you spend.
- You automatically get free Priority Pass and Taj Epicure Inner Circle Gold Membership.
- Reserve air tickets, film tickets, and hotel rooms via HDFCBankInfinia.com and make double the points.
- Free international travel insurance.
HDFC Solitaire Credit Cards
Features and Benefits of HDFC Solitaire Credit Cards:
- With every Rs. 75,000/- spend every 6 months, the cardholder can avail Rs. 1,000 worth of Shoppers Stop vouchers.
- Upon using the card for dining expenses and grocery spends, the cardholder can receive 50% more reward points.
- With every Rs. 150 spend, get 3 reward points.
- The card offers the option of redeeming reward points as cashback. With every 100 reward points get Rs. 40 cashback.
- Get Shoppers Stop vouchers of Rs. 2,000 annually.
- Opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs. 5 lakh on the card.
- With benefits on fuel transactions, cardholders get to save Rs. 1,500 annually.
- Zero Lost Card Liability.
HDFC AllMiles Credit Card
Features and Benefits of HDFC AllMiles Credit Card :
- With card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
- With every Rs. 150 spend, get 3 reward points.
- Free Priority Pass Membership.
- With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
- With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
- With Rs. 1, 00,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.
HDFC Platinum Edge credit card
Features and Benefits of HDFC Platinum Edge credit card
- For every Rs.150 spent through your card, earn 2 reward points.
- Enjoy 50% additional reward points for expenses made on dining out.
- Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (GST as applicable).
- The chip on the card ensures that every transaction made is safe and secure
- Enjoy revolving credit facility at a nominal interest rate.
HDFC Titanium Edge credit card
Features and Benefits of HDFC Titanium Edge credit card
- For every Rs.150 spent through your card, earn 2 reward points.
- Enjoy 50% additional reward points for expenses made on dining.
- Reward points can be redeemed as cashback against the outstanding bill amount.
- Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
- On reporting the loss of your credit card immediately, you enjoy zero liability on any fraudulent transactions made through your card.
Different Categories of Credit Cards Offered by HDFC Bank
| Super Premium Credit Cards |
Infinia
Regalia
Diners Club Black
|
| Premium Women's Credit Cards |
Solitaire
|
| Co-Brand Credit Cards |
Platinum Times Card
Titanium Times Card
|
| Premium Credit Cards |
Visa Signature
World MasterCard
Diners Club Premium
Diners Club Rewardz
|
| Professional Credit Cards |
Doctor's Superia
Teacher's Platinum
|
| Premium Travel Credit Cards |
Superia
AllMiles
|
| Commercial Credit Cards |
Business Regalia
Business Platinum
Business Gold
Corporate Platinum
Corporate Visa Signature
Corporate World MasterCard
Corporate Card
Purchase Card
Distributor Card
|
FAQs on HDFC Bank Credit Cards
-
Can I take a loan using the HDFC Bank credit card I currently hold?
Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.
-
I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?
Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.
-
What does the SmartEMI scheme offer to a customer?
The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.
-
What is the advantage of paying my HDFC credit card bill using internet banking?
Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.
-
My HDFC credit card application is in process. Can I track the status online?
Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.
-
Are HDFC Bank credit card statements available online?
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
-
Can I earn reward points and JPMiles for expenses done using my HDFC Bank credit card?
‘MyRewards’ from HDFC Bank is a unique reward points program presenting easy redemption options with a wide range of coupons and discounts to choose from. Customers can earn JPMiles from their Jet Airways/HDFC Bank co-branded credit cards.
-
Can I own two HDFC credit cards at once?
Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.
-
What is the minimum salary I require to have an HDFC credit card?
You will need to have a minimum salary of Rs.12,000 per month if you are a salaried person. If you are self-employed, you will need to have Rs.2 lakh per annum as your salary. You will also have to maintain a good credit score.
-
How can I increase the limit of my HDFC credit card?
You can send a signed letter and request for increasing your credit card limit. You will have to also submit your income proofs. If you are a salaried person, then, you will have to also attach a self-attested copy of a recent salary slip.
-
Does HDFC Bank offer the option of converting accrued rewards points into Air-miles or Airline E-Vouchers?
Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be got from a customer’s credit card statement.
-
At a glance, what features do HDFC Bank credit cards offer to a customer?
- Welcome benefits
- Rewards Points - Redemption across multiple airlines
- Attractive offers on movies and dining
- Spend based Annual and Renewal fee reversals
- Fuel Surcharge waivers
- Priority passes
- Comprehensive Insurance coverage
-
Can I apply for a HDFC credit card online? What benefits can I get?
Yes, you can apply for a HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.
-
What are the documents required to complete my HDFC credit card application online?
- Applicant's address details
- PAN card
- Scanned copy of your ID proof and address proof
-
How do I register for Credit Card Net Banking with HDFC?
As an existing HDFC Bank account holder, you can register for Credit Card Net Banking services by following the below given steps.
- Customers need to login into NetBanking with their customer ID and internet password.
- Inside the Net Banking account, click on the credit card tab.
- Add your new card, by selecting the ‘Register New Card’ feature.
- Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on ‘Submit’.
-
What are the features available under HDFC Credit Card Net Banking?
After logging into a HDFC NetBanking account, customers can view the following:
- Cash and credit limits pertaining to the registered credit card
- Billed/Unbilled transactions
- Payment due date
- Reward points earned on a credit card
- Credit Card Statements (up to 6 months)
-
How can I pay my HDFC credit card bills?
Customers can use any of the following modes of payments:
- HDFC Bank Netbanking
- Non-HDFC Bank Netbanking
- HDFC Bank Mobile Application
- Auto pay
- ATM Funds Transfer
Why you should get a Credit Card today.
Scared that a Credit Card will make you a spendthrift? LOL!
Let’s talk about the benefits.
Break It Up, Boy (or Girl)
Why borrow big when you can just swipe big and then break it up into smaller affordable EMIs?
Return Gift
Spend using your Credit Card and get returns in the form of Cashback, offers and rewards.
Up Your Credit Score
Use your Credit Card wisely and you shall be awarded a good Credit Score. Don’t you want that?
Spending Tracker
Contrary to popular belief, a Credit Card can help you curb wasteful spending. Just study your card statement.
Credit Card = benefits galore.
Things That Matter When Applying For A Credit Card
Plastic money is a boon for many reasons. However, using Credit Cards responsibly is very important. We'll tell you about the things that matter when you apply for a Credit Card.
Your Income
This is the first thing that the card issuer will ask you. The more your income, the higher credit limit you will be eligible for.
Past Credit History
You've had a Credit Card before? You didn't pay the bills on time? If this is true, the banks might have put you on the defaulters list. Maintain a good credit history.
Why Do You Need A Credit Card?
Shopping, dining, travel, the list is endless. Choose a Credit Card that matches your lifestyle.
Age Matters
Your age also matters when you apply for a Credit Card. The credit limit may be lower for a person above 55 years. If you are between 18 -35 years, you can get a higher credit limit on your card.
Applying for a Credit Card is simple. We have a whole lot of amazing offers for you. Check them out now!
*Terms and conditions apply. Credit at the sole discretion of the bank.
100% PAPERLESS APPROVAL 
No Income Docs Needed 
